Kiosk Gift Card System and Method

ABSTRACT

A gift card system and method for purchasing gift cards at a kiosk is disclosed. The system/method includes a gift card distribution kiosk located at a retail establishment that provides a user with access to a multitude of different forms of gift cards that may be purchased and printed onto a customizable card with a personalized message. The kiosk includes a kiosk processor interface, a gift card dispenser, a card reader and gift card management server connected to a network. The gift card management server, through the kiosk processor interface, provides vendor options to users to select and pay via the card reader. In another embodiment, the kiosk is used to redeem unused user gift cards for a reduced value user selected gift card, reduced cash value, full value store card, rewards points, bank debit, and/or electronic code user towards online purchases.

CROSS REFERENCE TO RELATED APPLICATIONS

This disclosure is a continuation-in-part of U.S. application Ser. No.16/667,088, filed Oct. 29, 2019, which is a continuation of U.S.application Ser. No. 14/596,990, filed Jan. 1, 2015, now U.S. Pat. No.10,460,311, which is a continuation-in-part of U.S. application Ser. No.13/108,837, filed May 16, 2011, which is a continuation-in-part of U.S.application Ser. No. 12/839,294, filed Jul. 19, 2010, now abandoned,which is a continuation-in-part of U.S. application Ser. No. 12/505,342,filed Jul. 17, 2009, now abandoned.

TECHNICAL FIELD OF THE INVENTION

The present invention relates generally to gift cards and moreparticularly to purchasing vendor specific gift cards and exchangingunused gift cards at a kiosk.

PRIOR ART AND BACKGROUND OF THE INVENTION Prior Art Background

Gift cards can be perceived as a quintessential cop-out gift, peggingthe gift-giver as lazy or impersonal. While that may be true of thepreloaded value cards that big chain stores put out and that can befound in virtually every drugstore now, small businesses have theadvantage of developing gift card offerings that are good for more thanjust cash on a card. However, current gift card offerings do not providea convenient method to purchase the gift card except to physically visitthe store.

A fixed-money amount for a gift card limits the gift giver in what theyare able to spend. Typically people have long holiday gifts lists and abudget for how much they want to spend on each person, but they will bemore likely to spend $150 if they know, for example, that they arebuying someone a deluxe spa package. However, most gift cards availablein stores have a logo or print with the face value of the card.Therefore, there is a need for a customizable gift card available tocustomers at a convenient location.

Often times, the people who are buying gift cards are not the regularcustomers. So if they don't know anything about the business, then theyare not going to know how much to spend. Providing customers with theopportunity to purchase different types of packages helps them feel likethey are providing a more personalized gift. Therefore, there is a needfor providing customizable and personalized gift card options toconsumers.

Convenience plays a big role in the purchasing of gift cards during theholidays. While not everyone buys their gifts online, most people willat some point be browsing the web for gift ideas during these finalweeks, and the more they come across your website while shopping, thebetter. Anyone can easily go to the big box stores for the standard giftofferings, but most people would rather give a gift that is local to therecipient and shows that they put some thought into the purchase.

Customers enjoy the sheer convenience of sending the certificate in anemail with a personalized message, or if they are seeing the person theycan print out the certificate and hand it to them. Either way, there isan element of personalization to it because you can write your ownmessage and choose the background for the certificate. Therefore, thereis a need for a personalizing gift cards at a local convenience orretail store kiosk.

Some recipients of gift cards do not necessarily use the cards due toseveral reasons. Currently, there are no systems to redeem unused giftcards for cash, reduced value gift cards, rewards points, automatic bankdebit, or an eCode for applying to online purchases.

Deficiencies in the Prior Art

The prior art as detailed above suffers from the following deficiencies:

-   -   Prior art systems do not provide for a convenient method to        purchase the gift card except to physically visit the store.    -   Prior art systems do not provide for customizable gift cards        available to customers at a convenient location.    -   Prior art systems do not provide for providing personalized gift        card options to consumers.    -   Prior art systems do not provide for exchanging unused gift        cards for a reduced cash offer.    -   Prior art systems do not provide for exchanging unused gift        cards for a reduced value gift card offer for a preferred gift        card of choice.    -   Prior art systems do not provide for redeeming unused gift cards        for a full value store credit.    -   Prior art systems do not provide for redeeming unused gift cards        for rewards points.    -   Prior art systems do not provide for redeeming unused gift cards        for a promotional code that could be used for online purchases.    -   Prior art systems do not provide for redeeming unused gift cards        for a promotional code that could be used at a different        location for printing customizable gift cards.

While some of the prior art may teach some solutions to several of theseproblems, the core issue of purchasing gift cards at a kiosk has notbeen addressed by prior art.

OBJECTIVES OF THE INVENTION

Accordingly, the objectives of the present invention are (among others)to circumvent the deficiencies in the prior art and affect the followingobjectives:

-   -   Provide for a convenient method to purchase the gift card expect        to physically visit the store.    -   Provide for customizable gift cards available to customers at a        convenient location.    -   Provide for providing personalized gift card options to        consumers.    -   Provide for exchanging unused gift cards for a reduced cash        offer.    -   Provide for exchanging unused gift cards for a reduced value        gift card offer for a preferred gift card of choice.    -   Provide for redeeming unused gift cards for a full value store        credit.    -   Provide for redeeming unused gift cards for rewards points.    -   Provide for redeeming unused gift cards for a promotional code        (e.g., an eCode) that could be used for online purchases.    -   Provide for redeeming unused gift cards for a promotional code        that could be used at a different location for printing        customizable gift cards.    -   Provide limited use gift cards that may have restrictions on        their use for purchasing certain items or making purchases at        certain merchants or within certain geographic locations.    -   Provide for the recording of personalized audio and/or visual        messages from a purchaser to a receiver of a gift card to be        played back when the receiver obtains the gift card or        promotional code.    -   Provide for creation and presenting of a greeting card, with or        without a gift card by a purchase and provided to a receiver of        the gift card.    -   Provide for the creation of a limited number of “collector        edition” gift cards, such as gift cards related to movies, TV        shows, and musical artists.    -   Provide for purchasing encoded tickets for events via a        disclosed kiosk, such as for concerts, plays, and sporting        events.    -   Provide for purchasing gifts in the form of gift cards or eCodes        for downloading or streaming video games or music, whether        specific tracks or entire albums.

While these objectives should not be understood to limit the teachingsof the present invention, in general these objectives are achieved inpart or in whole by the disclosed invention that is discussed in thefollowing sections. One skilled in the art will no doubt be able toselect aspects of the present invention as disclosed to affect anycombination of the objectives described above.

BRIEF SUMMARY OF THE INVENTION System Overview

The present invention in various embodiments addresses one or more ofthe above objectives in the following manner. The present inventionprovides a kiosk gift card system for purchasing gift cards at a kiosk.The system includes a gift card distribution kiosk located at a retailestablishment that provides a user with access to a multitude ofdifferent forms of gift cards that may be purchased and printed onto acustomizable card with a personalized message. The kiosk includes akiosk processor interface, a gift card dispenser, a card reader, andgift card management server connected to a network. The gift cardmanagement server, through the kiosk processor interface, providesvendor options to users to select and pay via the card reader. Inanother embodiment, the kiosk is used to redeem unused user gift cardsfor a reduced value user selected gift card, reduced cash value, fullvalue store card, rewards points, bank debit, and/or electronic codeuser towards online purchases.

Method Overview

The present invention system may be utilized in the context of anoverall kiosk gift card purchase method, wherein the kiosk gift cardsystem as described previously is controlled by a method having thefollowing steps:

-   -   (1) clicking on the kiosk processor interface;    -   (2) browsing through a list of vendors;    -   (3) selecting a vendor to purchase a gift card from the vendor;    -   (4) requesting a monetary amount to apply to the gift card;    -   (5) paying the monetary amount;    -   (6) printing and dispensing the gift card; and    -   (7) collecting the gift card.

Integration of this and other preferred exemplary embodiment methods inconjunction with a variety of preferred exemplary embodiment systemsdescribed herein in anticipation by the overall scope of the presentinvention.

BRIEF DESCRIPTION OF THE DRAWINGS

For a fuller understanding of the advantages provided by the invention,reference should be made to the following detailed description togetherwith the accompanying drawings wherein:

FIG. 1 illustrates an overall kiosk gift card system according to apreferred embodiment of the present invention.

FIG. 2 illustrates a detailed kiosk gift card system according to apreferred embodiment of the present invention.

FIG. 3 illustrates a detailed kiosk processor interface system accordingto a preferred embodiment of the present invention.

FIG. 4 illustrates a detailed kiosk processor interface displayaccording to a preferred embodiment of the present invention.

FIG. 5 illustrates a flowchart describing an exemplary kiosk gift cardpurchase according to a preferred embodiment of the present invention.

FIG. 6 illustrates a flowchart describing an exemplary kiosk gift cardexchange/redeeming according to a preferred embodiment of the presentinvention.

FIG. 7 illustrates a flowchart describing an exemplary kiosk gift cardto gift card exchange option according to a preferred embodiment of thepresent invention.

FIG. 8 illustrates a flowchart describing an exemplary kiosk gift cardto cash exchange method option according to a preferred embodiment ofthe present invention.

FIG. 9 illustrates a flowchart describing an exemplary kiosk gift cardto bank debit exchange method option according to a preferred embodimentof the present invention.

FIG. 10 illustrates a flowchart describing an exemplary kiosk gift cardto store credit exchange method option according to a preferredembodiment of the present invention.

FIG. 11 illustrates a flowchart describing an exemplary kiosk gift cardto rewards points exchange method option according to a preferredembodiment of the present invention.

FIG. 12 illustrates a flowchart describing an exemplary kiosk gift cardto eCode exchange method option according to a preferred embodiment ofthe present invention.

FIG. 13 illustrates a gift card value check system according to apreferred embodiment of the present invention.

FIG. 14 illustrates a flowchart describing a gift card value checkmethod according to a preferred embodiment of the present invention.

FIG. 15 illustrates an exemplary remote kiosk gift card presentationsystem according to a preferred embodiment of the present invention.

FIG. 16 illustrates a flowchart describing a remote kiosk gift cardpresentation method according to a preferred exemplary embodiment of thepresent invention.

DESCRIPTION OF THE PRESENTLY PREFERRED EXEMPLARY EMBODIMENTS

While this invention is susceptible of embodiment in many differentforms, there is shown in the drawings and will herein be described indetailed preferred embodiments of the invention with the understandingthat the present disclosure is to be considered as an exemplification ofthe principles of the invention and is not intended to limit the broadaspect of the invention to the embodiment illustrated.

The numerous innovative teachings of the present application will bedescribed with particular reference to the presently preferredembodiment, wherein these innovative teachings are advantageouslyapplied to the particular problems of a gift card system and method.However, it should be understood that this embodiment is only oneexample of the many advantageous uses of the innovative teachingsherein. In general, statements made in the specification of the presentapplication do not necessarily limit any of the various claimedinventions. Moreover, some statements may apply to some inventivefeatures but not to others.

Preferred Exemplary Kiosk Gift Card System (0100)

The present invention may be seen in more detail as generallyillustrated in FIG. 1 (0100), wherein a kiosk gift card system comprisesa kiosk (0104) with a gift card dispenser (0111), a live interfaceportal (LIP) (0106), a kiosk processor interface (0105) thatcommunicates with a gift card management server (0102). The kioskprocessor interface (0105) may be a touch user interface that is basedupon the sense of touch or a graphical user interface (GUI) that may benavigated with a pointing device such as a mouse. A user (0101) may usethe touch interface to interact and navigate the kiosk (0104).

According to a preferred exemplary embodiment, a user may purchase agift card at kiosk with the kiosk processor interface. The gift card maybe customized to add a fixed value and also personalized to add apersonal message or image on the card. A user may request a gift cardfor a specific vendor, for example Starbucks, and add a fixed amount,for example $90. In other embodiments, the gift card may be configuredwith a variable amount, and can thus be reloaded, as needed, with anyparticular amount. In addition, the vendor may not necessarily bylimited to a particular merchant/retailer, but is instead one thatprovides gift cards that may be used at multiple retail locations, suchas a VISA® or MasterCard® gift card.

Furthermore, the user may include a personalized message such as “HappyHolidays” or any other customized private message, as discussed herein,on the card. Additionally, the user may personalize the font, design,color, size, and position of the personalized message. In someembodiments, the personalized message may be audio and/or video messagesrecorded by the purchaser at the kiosk used to purchase the gift card.

Such embodiments would allow a purchaser to record an audio/videomessage that would then accompany the gift card (or gift card eCode,etc.) such that when the receiver of the gift card obtains it, theywould see/hear the personalized message recorded by the purchaser. Suchplayback could be played from the kiosk at, and during the time, whichthe receiver obtains the gift card, providing for a very personalizedand special experience while receiving a gift card. Similarly, when thegift card is provided as an eCode or other form of payment vehicle, thepersonalized recorded message could accompany the receipt of the eCode,etc., either at the kiosk visited by the receiver or even via themessage by which the receiver receives the eCode or other form ofpayment vehicle, such as an email or a mobile message (away from akiosk), an NFC transfer to the receiver's device or any other means bywhich the receiver receives the gift card code, etc. either physicallyor via a device of the receiver.

The kiosk processor interface (KPI) (0105) receives a purchase requestfrom the user (0101) and forwards the request to a gift card managementserver (GMS) (0102). The GMS (0102) may then connect with the vendor ofinterest and receive a confirmation to print or reload the gift card.The GMS (0102) may then instruct a printer to print the gift card anddispense the gift card via the gift card dispenser (0111) after anamount has been paid with a card reader and a payment module. After atransaction is complete, the user may request real time support througha live interface portal (0106) such as a camera or an online chat on theKPI (0105). The user may also seek live support during the gift cardtransaction with the live interface portal (0106). The LIP (0106) mayfurther communicate with a customer support center through (0103) anetwork and gift card management server (0102).

Preferred Exemplary Kiosk Gift Card System (0200)

The present invention may be seen in more detail as generallyillustrated in FIG. 2 (0200), wherein a user/consumer (0201) interactswith a kiosk gift card system located in a retail establishment. Forexample the kiosk may be located in retail establishments such asWalmart, Home Depot, in a Mall, in a public event place such a sportsstadium, in an office building etc. In some embodiments, the location ofthe kiosk may also impact the gift card amounts. More specifically,users may be offered additional “bonus” amounts on a gift card if thevendor they select is the vendor at which the kiosk is located. Inembodiments where a second kiosk at a different location is used toprint the gift card, which are discussed in further detail below, the“bonus” funds may be provided if the vendor at the location of thesecond kiosk is selected by the user/purchaser at the first kiosk. Suchembodiments provide an incentive for the receiver of the gift card atthe second location to patronize the retailer at that second location.

The system comprises a kiosk (0210) with a kiosk processor interface(KPI) (0211) that communicates with a gift card management server(0230). The GMS (0230) may be physically connected directly to the kiosk(0210). The GMS (0230) may be remotely located that may be accessiblevia the network (0240). An administrator may remotely monitor GMS (0230)via the network (0240). The network may be wired and may use protocolssuch as Ethernet. The network may be wireless and may use protocols suchas 4G, LTE, and/or Bluetooth.

The KPI (0211) is configured for enabling users to interact with GMS(0230). The GMS (0230) may further comprise a microprocessor executinginstructions read from a computer-readable medium (0231) and a graphicaluser interface (GUI) with a pointing device. An administrator may open aGUI and select vendor database (0232) for updating records. A moredetailed view of GUI may be seen in FIG. 4 (0400).

The kiosk further comprises a Kiosk Card Stacker (0213) that maintainsan inventory of blank cards equipped with or without a NFC device. TheNFC device in a card may be enabled to communicate wirelessly with a NFCreader installed in a mobile computing device such as a smart phone orother NFC reader equipped devices. The blank cards may be configured tobe in different sizes so as to enable users to choose a size. A Kioskcard printer (0214) may be connected physically to the Kiosk CardStacker (0213). The Kiosk Card Stacker (0213) may automatically feed ablank card to the printer when it receives a print request. The printrequest may include information pertaining to the card size,personalized message, color, logo, value, and/or NFC chip.

The kiosk processor interface (KPI) (0211) may receive apurchase/exchange request from a user (0201) which subsequently forwardsthe request to a gift card management server (GMS) (0230). The GMS (230)may then search the vendor database (0232) to check if the vendor existson the database. If so, the GMS (0230) may connect with the vendor ofinterest via vendor management server (VMS) (0250) via network (0240)and receive a confirmation to print the gift card. The user may pay witha credit card or debit card for the requested amount with a card reader(0217). The user may also choose to pay in cash. The card reader maycommunicate via network (0240) with a payment server (0260) thatauthenticates the payment and sends a confirmation for the payment. TheGMS (0230) may then instruct a printer (0214) to print the gift card anddispense the gift card via the gift card dispenser (0215). According toan exemplary embodiment, gift card manufacturing on demand (MOD) with agift card kiosk enables a consumer to print a gift card on as neededbasis.

The kiosk may also comprise a Near Field Communication (NFC) device(0212). The communication (NFC) is a standards-based short-rangewireless connectivity technology that makes life easier and moreconvenient for consumers by making it simpler to make transactions,exchange digital content, and connect electronic devices with a touch.The user may use a mobile computing device (0202) equipped with a NFCreader to establish a NFC connection with the kiosk (0210). According toa preferred exemplary embodiment, the user (0201) may use the NFC device(0202) to pay for a gift card. The user may also receive a confirmationto the device (0202).

The kiosk (0210) may also be communicating via network (0240) with anadvertisement server ADS (0270) that is configured to displayadvertisements on the kiosk processor interface (0211). According to apreferred exemplary embodiment, the kiosk is enabled to targetadvertisements to the user through the advertising server (0270), andsuch advertisements may even be demographically based.

The kiosk (0210) may also use a card collector (0216) to gather unusedgift cards that may be redeemed or exchanged for like kind gift cards orcash as described below in one of several methods. The unused cards maybe recycled or reused for customized gift cards.

According to preferred exemplary embodiment, the kiosk in the retailestablishment may be integrated into the retail network server (0280) toprovide retailer specific value offers and discounts. For example, ifthe kiosk is located in Walmart, advertisements and offers related toWalmart may be displayed on the KPI (0211). Value Offers may also bepresented to the user on a mobile computing device (MCD) (0202). Theconsumer may use the Value offers at check out with the MCD (0202) orprint a paper copy at the kiosk.

Vendor Database (0232)

As illustrated below in Table 1.0, the vendor database (VBD) (0232) mayfurther comprise vendor related information such as “Vendor Name”,“Vendor ID”, “Credit Limit”, “Address” and “Gift Card Serial Number”.The VDB (0232) may communicate with GMS (0230) or through a wired orwireless network. When a consumer requests a gift card, the KPI (0211)may process and forward the request to the GMS (0230). The GMS (0230)may determine the vendor from request and issue a gift card with aserial number from the VDB (0232). If the requested gift card amountexceeds the Credit Limit for the vendor, the GMS (0230) may forward therequest to a vendor management server (0250). The VMS (0250) may furthercommunicate with the user requested vendor with the Address, forauthorization upon which a customized gift card may be printed anddispensed to the requesting consumer.

TABLE 1.0 Vendor Vendor Credit Gift Card Name ID Limit Address SerialNo. Vendor 1 58769 $1,000 www.vendor1.com 5687587-576768 Vendor 2 69789$500 www.vendor2.com 6687587-676769 Vendor 3 96987 $100 www.vendor3.com7687587-776770 Vendor 4 56876 $500 www.vendor4.com 8687587-876771 Vendor5 64647 $1,000 www.vendor5.com 9687587-976772

Consumer Database (0233)

As illustrated below in Table 2.0, the consumer database (CBD) (0233)may further comprise consumer related information such as “ConsumerName”, “Consumer ID”, “Credit Check”, “Consumer Contact information”,and “Consumer History”. A single entry for example may containinformation about a consumer 1 with a consumer ID 123-56-789 who hasbeen credit checked. The CDB (0233) may also maintain consumer historyand past purchases. For example, Consumer 1 may have purchased a Vendor1 and Vendor 3 gift card. The consumer history, as well as demographicsbased on any collected consumer demographic information, may be analyzedfurther for presenting specific advertisements to consumers with anadvertising server ADS (0270). It should be appreciated by anyoneskilled in the art that the database may be maintained and stored instandard SQL or any industry DBMS standard.

TABLE 2.0 Consumer Customer Credit Customer Name ID Check ContactHistory Consumer 1 123-56-789 Yes 123-334-3456 Vendor 1, Vendor 3Consumer 2 123-56-790 Yes 123-354-3457 Vendor 3, Vendor 4 Consumer 3123-56-791 No 123-364-3458 Vendor 2, Vendor 5 Consumer 4 123-56-792 Yes123-374-3459 Vendor 4, Vendor 6 Customer 5 123-56-793 No 123-384-3460Vendor 6, Vendor 7

Consumer Personalization

According to a preferred exemplary embodiment, consumer personalizationmay be used to provide specific customer history with real timeevaluation and supported purchases. For example, from the aforementionedtable 2.0, consumer 2 may be evaluated in real time based on pastpurchase history such as Vendor 3 and Vendor 4. The consumer 3 may bepresented with an advertisement for Vendor 3 or Vendor 4 afteridentifying the consumer with the CDB (0233) and consumer ID.

Consumer History Macro (Total) & Micro (by Card)

According to a preferred exemplary embodiment, the CDB (0233) may alsoprovide Macro reports for total customer specific history in aparticular category. For example, a consumer's past history from the CDB(0233) may indicate purchases in a drug store and the specificinformation may be used to present drug store related advertisements ordrug store related gift cards.

Similarly, the CDB (0233) may also provide Micro reports for specificcustomer history with a genre or historical favorites. For example, aconsumer's past history or historical favorites may be analyzed anddetermined that a consumer is interested in sports. A history of alltransactions on a particular card may also be analyzed and

Consumer Card Balances

According to a preferred exemplary embodiment, a consumer may use theKPI (0211) and obtain real time balance on a gift card directly or witha NFC device (0202). A consumer (0201) may insert a gift card into cardreader (0217) in the kiosk (0200). The card reader (0202) may thendetermine the vendor ID based on the gift card information. The GMS(0230) may then query the vendor database (0232) with the Vendor ID andreceive a vendor address which may be used to login into a vendormanagement server (VMS) (0250). The VMS (0250) may then respond to theGMS (0230) with a gift card balance that may be presented to theconsumer (0201) on the interface (0211). The gift card balance may alsobe wirelessly transmitted to the consumer's mobile device (0202) withthe NFC reader (0212).

Consumer Direct Marketing

According to a preferred exemplary embodiment, the retailer system/kioskinterface provides customer specific advertising micro marketingmaterial with the Advertising server (ADS) (0270). For example, when aconsumer interfaces with the KPI (0211), the consumer may be identifiedwith a consumer ID and the CDB (0233). The GMS (0230) may use theconsumer information and forward it to an advertisement server ADS(0270) that is configured to serve advertisements. The ADS (0270) mayserve advertisements directly to the consumer based on the consumerspast purchase history, as well as collected or determined consumerdemographics, while the customer is waiting for a transaction. Proximitymarketing applications may be employed to target user mobile phonesusing beaconing connectivity technology as part of the hardwarecomponent matrix. In such embodiments, users may have a mobileapplication affiliated with the kiosk, or even with retailers/merchantsavailable through the kiosk, for provide such targeted advertisements.Additionally, push advertisements may be transmitted directly to theconsumer for promotions, coupons and product information.Retailer/merchant- and application-friendly integration may be providedat disclosed kiosks. Similarly, micro marketed promotions and discountsbased on historical purchases or viewing may also be provided to aconsumer.

Consumer Fraud Alerts

According to a preferred exemplary embodiment, the system/kiosk mayprovide “push” communication in the event of any issues with accountusage or unauthorized access. When a user interfaces with KPI (0211),the consumer may be identified and if there is a history of misusage inthe consumer's history, an alert may be communicated to the retailestablishment. The alert may be transmitted with the network (0240) oran alarm may be sounded to notify concerned officials.

Consumer Customer Services

According to a preferred exemplary embodiment, the kiosk may provideconnectivity with a “live” communication for post purchase, post issuefollow up with a live interface portal (LIP) (0218). The LIP (0218) maybe an audio device such as a microphone or a video device such as acamera. The LIP (0218) may enable a consumer (0201) to communicate witha live customer support (0290) via GMS (0230) and network (0240).Alternately, a consumer may perform an online chat on the KPI (0211)with a touch screen or typing with a keyboard. The consumer may alsorequest support before a transaction, during a transaction, or after atransaction.

Preferred Exemplary Kiosk Processor Interface (0300-0400)

As generally illustrated in FIG. 3 (0300) and FIG. 4 (0400), anexemplary kiosk processor interface (0301) comprises a gift card menu(0310) for purchasing/exchanging, a gift card exchange/redeeming menu(0320), a payment option menu (0330), an administrator menu (0340), anda chat menu (0350). A user may interface with a kiosk via the KPI (0301)and navigate through the menus with a touch interface or a graphicalinterface. The user may select an exchange menu (0320) to exchangeunused gift cards that may or may not have a balance on them. The usermay exchange for another gift card from a different vendor, cash, bankdebit, store credit, and/or an eCode for use with online purchases(0321). As discussed throughout this disclosure, when the term gift cardis used, it is understood that the gift card may be administered viamore than simply a physical payment card. In some embodiments, the giftcard may be administered via such an eCode, either entered manually orprovided via another payment vehicle such as a mobile phone paymentapplication. An administrator may login to the KPI (0301) via the adminmenu (0340) and perform administrator actions such as set up, update,reboot, and/or install new features (0341). The user may be providedwith payment options such as credit card, debit card, and/or cash(0331). The user may select a gift card menu (0310) to access optionssuch as gift card purchase, gift card reload, gift card exchange, giftcard redeem or gift card balance check (0311). The user may also requestsupport from customer support (0290) through a live interface portal.The user may choose one of the chat options (0351) from online chat,video chat and voice chat.

Preferred Exemplary Flowchart Kiosk Gift Card Purchase Method (0500)

As generally seen in the flow chart of FIG. 5 (0500), a preferredexemplary Kiosk Gift Card Purchase method may be generally described interms of the following steps:

-   -   (1) clicking on the kiosk processor interface (0501);        -   A user may click through or touch the KPI to navigate the            different options of the interface as aforementioned in FIG.            3 (0300) and FIG. 4 (0400).    -   (2) browsing through a list of vendors (0502);        -   The user may browse through a list of vendors that are            stored and maintained in a vendor database that is            accessible by a gift card management server via a network.            An administrator may add/delete/update vendors in the vendor            database. In addition, the user may insert, or scan with a            card reader, a prior-purchased used gift card for reloading            with funds. In such case, after inserting the gift card into            the kiosk, the kiosk's processor can simply identify the            vendor of the gift card from among the available list of            vendors available through the kiosk.    -   (3) selecting a vendor to purchase a gift card from the vendor        (0503);        -   The user may select a vendor from the list of vendors. In            embodiments with a previously purchased gift card, the user            may simply confirm the vendor identified by the kiosk.            Alternatively, if the kiosk is not able to identify the            vendor of an inserted previously purchased gift card, the            user may then be given the option to select the appropriate            vendor the user would like to use for the prior gift card.    -   (4) requesting a monetary amount to apply to the gift card        (0504);        -   The user may request an amount to be applied to the gift            card. The request may then be forwarded to GMS for            processing. The GMS may connect with the vendor of interest            to vendor management server (VMS) via network and receive a            confirmation to print the gift card.    -   (5) paying the monetary amount (0505);        -   The user may pay with a credit card or debit card for the            requested amount with a card reader. The user may also            choose to pay in cash. The card reader may communicate via            network with a payment server that authenticates the payment            and sends a confirmation for the payment.    -   (6) printing and dispensing the gift card (0506); and        -   The GMS may then instruct a gift card printer to print the            gift card with a personalized message and dispense the gift            card via a gift card dispenser.    -   (7) collecting the gift card (0507).        -   The user may then collect the gift card from the gift card            dispenser.

Preferred Exemplary Flowchart Kiosk Gift Card Exchange Method (0600)

As generally seen in the flow chart of FIG. 6 (0600), a preferredexemplary Kiosk Gift Card Exchange method may be generally described interms of the following steps:

-   -   (1) clicking on the kiosk processor interface (0601);        -   A user may click through or touch the KPI to navigate the            different options of the interface as aforementioned in FIG.            3 (0300) and FIG. 4 (0400).    -   (2) scanning user gift cards with a card reader (0602);        -   The user may insert or use a card reader to scan user gift            cards that are unused or have a balance remaining on them. A            unique identification number (UID) associated with each gift            card may be saved in a local database maintained by the GMS.            The Kiosk card collector may collect the cards and unused            cards may be recycled or reused for future customized gift            cards.    -   (3) calculating a consolidated value for remaining balance of        the user gift cards (0603); and        -   the gift card management server may add the remaining            balances on all the user gift cards and determine a            consolidated value. The GMS may communicate with plural            vendors via the vendor management server with the UID's to            determine remaining balance on each cards. For example, gift            card 1 may have an unused value of $34, gift card 1 may have            an unused value of $46 and gift card 1 may have an unused            value of $100. The GMS will determine a consolidated value            of $180 for the unused gift cards.    -   (4) providing redeeming options for exchanging said user gift        cards to the users (0604).        -   The KPI may provide various exchange options for the            consolidated value such as another gift card from a            different vendor, cash, bank debit, store credit, and/or an            eCode for use with online purchases.

Preferred Exemplary Flowchart Kiosk Gift Card-Gift Card Exchange Method(0700)

As generally seen in the flow chart of FIG. 7 (0700), a preferredexemplary Kiosk Gift Card to Gift Card Exchange method may be generallydescribed in terms of the following steps:

-   -   (1) choosing gift card option from a redeeming menu on the kiosk        processor interface (0701);    -   (2) receiving plural vendor options and a discounted offer in        exchange for the consolidated value (0702);        -   The GMS may provide the user with a list of available            vendors to choose from along with a discounted offer value            in exchange for the consolidated value. For example, the GMS            may offer a $100 worth Home Depot Card for a consolidated            value of $180.    -   (3) selecting a vendor from said options for a new vendor gift        card (0703);        -   If the user accepts the offer value, the user may select a            vendor from the list of vendors.    -   (4) requesting a monetary amount to apply to the vendor gift        card (0704);        -   The user may request a monetary value to apply to the            selected vendor gift card. For example, the user may request            to apply $110 to the gift card.    -   (5) paying any additional monetary amount above the offer value        (0705);        -   The user may pay the $10 difference from the step above to            apply to the gift card.    -   (6) printing and dispensing said gift card from a blank card        applying the monetary amount (0706), or, optionally, reloading a        previously purchased gift card with the accepted value; and    -   (7) collecting the gift card (0707).

Preferred Exemplary Flowchart Kiosk Gift Card-Cash Exchange Method(0800)

As generally seen in the flow chart of FIG. 8 (0800), a preferredexemplary Kiosk Gift Card to Cash Exchange method may be generallydescribed in terms of the following steps:

-   -   (1) choosing cash option from a redeeming menu on the kiosk        processor interface (0801);    -   (2) receiving a discounted offer in exchange for the        consolidated value (0802);    -   (3) accepting the offer value, if not, proceeding to step (0806)        (0803);    -   (4) dispensing cash for the offer value (0804);    -   (5) collecting cash from the dispenser (0805); and    -   (6) returning the user gift cards (0806).

Preferred Exemplary Flowchart Kiosk Gift Card-Bank Debit Exchange Method(0900)

As generally seen in the flow chart of FIG. 9 (0900), a preferredexemplary Kiosk Gift Card to Bank Debit Exchange method may be generallydescribed in terms of the following steps:

-   -   (1) choosing bank debit option from a redeeming menu on the        kiosk processor interface (0901);    -   (2) receiving a discounted offer for the consolidated value        (0902);    -   (3) accepting the offer value, if not, proceeding to step (0906)        (0903);    -   (4) providing bank account information (0904);    -   (5) transferring funds for the offer value to the bank        information (0905); and    -   (6) returning the user gift cards (0906).

Preferred Exemplary Flowchart Kiosk Gift Card-Store Credit ExchangeMethod (1000)

As generally seen in the flow chart of FIG. 10 (1000), a preferredexemplary Kiosk Gift Card to Store Credit Exchange method may begenerally described in terms of the following steps:

-   -   (1) choosing store credit option from a redeeming menu on the        kiosk processor interface (1001);    -   (2) receiving a full value offer in exchange for the        consolidated value (1002);    -   (3) paying any additional monetary amount above the offer value        (1003);    -   (4) printing and dispensing said store card for the retail        establishment from a blank card applying the monetary amount        (1004); and    -   (5) collecting the store card (1005).

Preferred Exemplary Flowchart Kiosk Gift Card-Rewards Points ExchangeMethod (1100)

As generally seen in the flow chart of FIG. 11 (1100), a preferredexemplary Kiosk Gift Card to rewards points Exchange method may begenerally described in terms of the following steps:

-   -   (1) choosing rewards points option from a redeeming menu on the        kiosk processor interface (1101);    -   (2) receiving rewards points in exchange for the consolidated        value (1102);    -   (3) accepting the rewards points, if not, proceeding to step        (1106) (1103);    -   (4) providing rewards account information (1104);    -   (5) transferring the rewards points to the rewards account        (1105); and    -   (6) returning the user gift cards (1106).

Preferred Exemplary Flowchart Kiosk Gift Card-eCode Exchange Method(1200)

As generally seen in the flow chart of FIG. 12 (1200), a preferredexemplary Kiosk Gift Card to rewards points Exchange method may begenerally described in terms of the following steps:

-   -   (1) choosing eCode option from a redeeming menu on the kiosk        processor interface (1201);    -   (2) receiving a discounted offer in exchange for the        consolidated value (1202);    -   (3) accepting the offer value, if not, proceeding to step (1206)        (1203);    -   (4) providing means for transmitting an eCode to the user        (1204);    -   (5) transmitting the eCode to the user (1205); and    -   (6) returning the user gift cards (1206).

Preferred Exemplary Gift Card Value Check System (1300)

The present invention may be seen in more detail as generallyillustrated in FIG. 13 (1300), wherein a user/consumer (1301) with a NFCreader equipped mobile computing device (1303) checks value of a giftcard (1305). The gift card (1305) may also be embedded with a NFCcompatible chip (1306) that communicates wirelessly with device (1303).The consumer (1301) may query the balance of a gift card (1305) with anapplication on the device (1303). The mobile device (1303) may thenquery a vendor management server (VMS) (1350) via a network (1304). TheVMS (1350) may be remotely located that may be accessible via thenetwork (1304). An administrator may remotely monitor VMS (1350) via thenetwork (1304). The network may be wired and may use protocols such asEthernet. The network may be wireless and may use protocols such as 4G,LTE, and/or Bluetooth. When queried by the device (1303) with a giftcard identification number (Gift card ID), the VMS (1350) may respondwith a balance on the gift card. The mobile device (1303) may thendisplay the gift card balance to the consumer (1301).

Preferred Exemplary Gift Card Value Check Method (1400)

As generally illustrated in FIG. 14 (1400), the present invention systemmay be utilized in the context of an overall gift card balance/valuecheck method, wherein the gift card value check system as describedpreviously in FIG. 13 (1300) is controlled by a method having thefollowing steps:

-   -   (1) reading gift card identification (ID) number from a gift        card with a NFC reader in a mobile computing device (1401);    -   (2) transmitting the gift card ID to a vendor management server        (1402);    -   (3) receiving gift card balance from the vendor management        server (1403); and    -   (4) displaying the gift card balance on the mobile computing        device (1404).

Preferred Exemplary Remote Kiosk Gift Card Presentation System (1500)

The present invention may be seen in more detail as generallyillustrated in FIG. 15 (1500), wherein a kiosk gift card systemcomprises a kiosk (1504) with a gift card dispenser, a live interfaceportal (LIP), and a kiosk processor interface that communicates with agift card management server (1502). The kiosk processor interface may bea touch user interface that is based upon the sense of touch or agraphical user interface (GUI) that may be navigated with a pointingdevice such as a mouse. A user (1501) may use the touch interface tointeract and navigate the kiosk (1504). The kiosk (1504) may communicatewith another remote kiosk (1514) located at a different retailestablishment. The retail establishment may be located in the same placeor in a different location or place. According to a preferred exemplaryembodiment, a user may purchase a gift card at a kiosk with the kioskprocessor interface and print the gift card at a remote kiosk that couldbe collected at the remote retail establishment. Similarly, the user maypurchase funds for a gift card at the first location, and then thosepurchased funds may be loaded onto a previously purchased gift card atthe second location. The kiosk (1504) may communicate with kiosk (1514)via a network (1503) through gift card management system (1502) and giftcard management system (1512). According to yet another preferredexemplary embodiment, a user may redeem unused gift cards at a kioskwith the kiosk processor interface, accept an offered monetary valuefrom the kiosk, and print the gift card at a remote kiosk that could becollected at the remote retail establishment. According to a furtherpreferred exemplary embodiment, a user (1501) may purchase a gift cardat a kiosk (1504) with the kiosk processor interface, receive anelectronic code (eCode) from the kiosk (1504), and transmit the eCode toanother user (1511) located at another location. The user (1511) maythen print a customized gift card at a remote kiosk (1514). The eCodemay be scrambled, encrypted, and/or encoded for security purposes.

Preferred Exemplary Flowchart Remote Kiosk Gift Card Presentation Method(1600)

As generally illustrated in FIG. 16 (1600), the present invention systemmay be utilized in the context of an overall remote kiosk gift cardpresentation method, wherein the remote kiosk gift card presentationsystem as described previously in FIG. 15 (1500) is controlled by amethod having the following steps:

-   -   (1) paying cash or redeeming unused gift cards (gift cards with        a balance) choosing eCode option from a redemption menu on a        kiosk processor interface (1601);    -   (2) receiving a discounted cash offer value in exchange for the        consolidated value of the unused gift cards (1602);    -   (3) accepting the offer value and selecting a eCode or eCode        option, if not, proceeding to step (1609) (1603);    -   (4) providing means for transmitting a eCode to the user, if        eCode is selected (1604);    -   (5) transmitting the eCode to a remote user (1605);    -   (6) purchasing gift cards with said eCode at a second gift card        kiosk located in a second location (1606);    -   (7) printing a gift card at a remote kiosk in a different        (second) location in a retail establishment, if remote printing        is selected in step (1603) (1607);    -   (8) collecting the printed gift card at the remote kiosk by a        second user (1608);    -   (9) returning the user gift cards (1609).

Anywhere Use Gift Cards

Another embodiment of the disclosed systems and methods may be thecreating or reloading of a gift card that may be used at any of a numberof retailers. Such “anywhere” gift cards may be created for use anywherethe user desires, making them gift “wildcards” so to speak. For example,such gift “wildcards” may be based on the VISA® or MasterCard® network,and thus useable anywhere VISA or MasterCard is accepted. In otherembodiments, the gift “wildcard” may be created for use at multipledistinct vendors, rather than simply a single vendor. However, suchanywhere use gift card created in accordance with the disclosedprinciples could not only be customized and/or personalized as discussedherein, but also paid for at one kiosk location but printed/created (orreloaded in the case of a previously purchased gift card) at a secondlocation. Such embodiments provide much more versatility in thereceiver's use of the gift card, making them especially beneficial whenthe gift card is received by a user geographically distinct from thepurchaser, such as a student away at school. Moreover, such aanywhere-use “gift wildcard” is advantageous since it may be used at anyof a number of merchants/retailers, and may be obtained from a kiosk asdisclosed herein in exchange for a consolidation/exchange of previouslypurchased merchant-specific gift or store credit cards.

Restricted Use Gift Cards

Another embodiment of the disclosed systems and methods may be thecreating or reloading of a restricted or limited use gift card. Suchrestricted or limited use gift cards could be similar to the anywhereuse gift cards discussed above in that they may be used at any of anumber of vendors; however, that may be created with limits that preventtheir use at certain vendors or for certain types of products orservices. For example, a gift card could be created for use at anyvendor except for liquor stores, adult-themed stores, tobacco shops,drug dispensaries or other types of vendors of goods or services wherethe purchaser of the limited use gift card does not want the receiver touse the card. Such an embodiment is particularly suited for families,where parents provide such a limited use gift card to their children,but having limits on where they may be used. Similarly, the limited usegift card may be created such that it may only be used at certain typeof vendors, such as bookstores, gas stations, and office supply stores.Such limited use gift cards would be desirable if the receiver is astudent and the purchaser would like to limit the student's use of thegift card to school-related purchases.

In still other embodiments, the gift card could be limited so that itexcludes the purchase of certain types of products. Most if not allproducts today are packaged with a skew or other type of identifyingnumber, which assists retailers in tracking inventory as well as otheruses. Limited use gift cards as disclosed herein could be created suchthat may be used at any retailer, but could not be used to purchasecertain items. For example, the gift card could be created such that thereceiver of such a limited use gift card could purchase almost any itemat a grocery store, except for alcohol and/or tobacco products. In otherembodiments, the purchase amounts may be limited such that onlypurchases below a certain maximum amount may be made with the gift cardin an effort to curtail overspending. Such limitations on the retailers,spending limits, and/or products that may be purchased with the limiteduse gift card allows the disclosed gift card to be ideal for use as a“family gift card,” where parents can provide their children any amountof funds via the gift card for use at a variety of retailers, but stillplace limits on its use at certain retailers and/or for purchasingcertain goods or services, and only up a maximum amount per transaction.Such embodiments are a more desirable alternative to simply providingtheir children cash or even a credit card for their exclusive use inthat protection against certain types of spending are still in place.

Limiting the use of a gift card as disclosed herein at particularmerchants, or preventing use at particular merchants, may be done byinteracting with the data collected and transmitted by the paymentterminal at a merchant when purchases using cards or other paymentvehicles are made. Conventionally, the payment terminals capture paymentinformation from the purchaser from the card or other payment vehicleused with the payment terminal. That information, along with merchantidentification information, is then transmitted to a payment processorfrom the terminal via a communications network. The merchantidentification information could be used to identify at what merchantthe disclosed gift card is being used, and then permit or prevent thepayment processing to be completed. Similarly, payment terminals may beconfigured to capture skew or other product identifying data, along withthe purchasing information, during a financial transaction. That productidentification data may be used to allow or prevent certain goods frombeing purchased with the disclosed gift card right at the paymentterminal and in real-time with the transaction by the user of the giftcard. Other types of technologies may also be implemented with thedisclosed limited use gift card to accomplish the same goals.

Even gift cards with geographical limits could be created using kioskaccording to the disclosed principles. For example, a limited use giftcard could be coded so that it may only be used at a retailer within acertain Zip code or other geographical boundary. In some embodiments,the gift card could be created with NFC technology, such as an embeddedNFC chip, so that it may only be used when in proximity to the user'smobile telephone. The locations services on the phone could then beemployed to ensure the limited use gift card is only being used with aparticular geographic location, which can even include limitation to aparticular retailer, etc. based on their geographic location. In otherembodiments, the merchant identification information provided by thepayment terminal discussed above may be used to identify not only themerchant, but the merchant's location, especially in embodiments where aparticular merchant has numerous locations. As before, the interceptingof that information from the payment terminal allows for placingreal-time geographic restrictions on the purchases made using a limiteduse gift card as disclosed herein.

Still further, the limitations and restrictions that may be placed on alimited use gift card as disclosed herein may also be changeable by thepurchaser or the user, perhaps with a predetermined access code, via akiosk, if desired. The receiver of the limited use gift card, if giventhe capability, could simply visit their local kiosk with the gift cardin order to modify the limitations place on their family gift card bythe purchaser. Moreover, such access and modifications may be made viawebsite associated with the vendor of the gift card, if suchcapabilities have been established.

Limited Edition Gift Cards

Another embodiment of the disclosed systems and methods may be thecreating or reloading of “limited edition” or “collector edition” giftcards. Such embodiments may provide for the creation of a limited numberor run of such collector/limited edition gift cards. In this context, alimited run of gift cards would be only a predetermined number of giftcards being created with a given image and/or text. Thus, the purchaserwould be purchasing, for example, 1 of only 500 cards available withsuch a certain theme. Exemplary limited edition gift cards could includegift cards having images of or otherwise related to movies, TV shows,and musical bands. Similarly, the limited edition gift cards couldinclude images or other items related to specific persons/celebrities oritems related to specific movies, TV shows or musical acts. Of course,other types of limited edition gift cards are also envisioned, and nolimitation to just TV, movies or bands is intended.

Greeting Cards

Another embodiment of the disclosed systems and methods may be thecreating of greeting cards being purchased or created at the kiosk bythe purchaser. Such greeting cards could be premade greeting cards andselected via the kiosk, or may be customized by the purchaser using thekiosk as disclosed herein. Such greeting cards may be selected/designedalone by the purchaser via the kiosk and sent to a receiver via a second(or the same) kiosk, or may be transmitted to the receiver using anytype of technique, such as email, messaging, and even the printing andmailing of a physical card (for example, using an affiliate associatedwith the kiosk) if that option is selected by the purchaser via thekiosk. Additionally, such optional greeting cards may be purchased andprovided to a receiver along with a gift card that is purchased andprovided as disclosed herein.

Ticketing

Another embodiment of the disclosed systems and methods may be thepurchasing of tickets for certain events via the kiosk. Such tickets maybe for the purchaser employing the kiosk, or may be provided to anintended receiver as disclosed herein. As such, purchased tickets may beprovided via a gift card, or may be provided via a traditional printedticket. Tickets may also be provided by eCode or “eTicket”, where theticket is provided digitally. These may be provided in any of a numberof ways, such as an emailed eCode or other type of code (e.g., barcode,QR code, etc.), a messaged code, or even NFC transfer to a mobile device(or either the purchaser or the receiver of the ticket). Ticketspurchased via a disclosed kiosk may include encoded tickets for eventssuch concerts, plays, and sporting events.

Streaming Cards

Another embodiment of the disclosed systems and methods may be thepurchasing gifts in the form of gift cards or eCodes (or any other typeof code) for downloading or streaming movies, shows, video games, ormusic. In exemplary embodiments, movies and video games may be selectedby title, while music may be selected by musical artist/group name,album name or even track names. Such streaming cards or codes may beselected by the purchaser via the kiosk and sent to a receiver via asecond (or the same) kiosk, or as before may be transmitted to thereceiver using any type of technique, such as email, messaging, and eventhe printing and mailing of a physical card. Physical gift cards couldinclude a code (e.g., bar code, QR code, etc.) for direct streaming ofmedia content to the receiver's mobile phone or other device, computer,tablet, media streaming box, DVR, etc. Moreover, for physical streamingcards may also be purchased as a limited edition cards, as discussedabove, where the purchased item(s) may correspond to the imagery on thelimited edition card.

System Summary

The present invention system anticipates a wide variety of variations inthe basic theme of kiosk gift card system, but can be generalized as akiosk gift card system in a retail establishment comprising:

-   -   (a) kiosk processor interface;    -   (b) gift card management server;    -   (c) card reader; and    -   (d) gift card dispenser;    -   wherein    -   the kiosk processor interface is configured to enable users to        interact with the gift card management server;    -   the gift card management server is configured to connect to a        network;    -   the gift card management server is configured to provide the        users with options to purchase user-selected gift cards; and    -   the gift card dispenser is configured to print the user-selected        gift cards upon receiving payment through the card reader.

This general system summary may be augmented by the various elementsdescribed herein to produce a wide variety of invention embodimentsconsistent with this overall design description.

Method Summary

The present invention method anticipates a wide variety of variations inthe basic theme of implementation, but can be generalized as a kioskgift card system purchase method wherein the method is performed on akiosk gift card system comprising:

-   -   (a) kiosk processor interface;    -   (b) gift card management server;    -   (c) card reader; and    -   (d) gift card dispenser;    -   wherein    -   the kiosk processor interface is configured to enable users to        interact with the gift card management server;    -   the gift card management server is configured to connect to a        network;    -   the gift card management server is configured to provide the        users with options to purchase user-selected gift cards or to        add funds to used gift cards; and    -   the gift card dispenser is configured to print the user-selected        gift cards, or returning a reloaded gift card, upon receiving        payment through the card reader;    -   wherein the method comprises the steps of:    -   (1) clicking on the kiosk processor interface;    -   (2) browsing through a list of vendors;    -   (3) selecting a vendor to purchase a gift card or gift card        funds from the vendor;    -   (4) requesting a monetary amount to apply to the gift card;    -   (5) paying the monetary amount;    -   (6) printing and/or dispensing the gift card; and    -   (7) collecting the gift card.

This general method summary may be augmented by the various elementsdescribed herein to produce a wide variety of invention embodimentsconsistent with this overall design description.

System/Method Variations

The present invention anticipates a wide variety of variations in thebasic theme of kiosk gift card system. The examples presented previouslydo not represent the entire scope of possible usages. They are meant tocite a few of the almost limitless possibilities.

This basic system and method may be augmented with a variety ofancillary embodiments, including but not limited to:

-   -   An embodiment wherein the gift card management server is further        configured to communicate via the network with:    -   (a) vendor management server;    -   (b) payment server;    -   (c) vendor database; and    -   (d) advertising server    -   wherein    -   the vendor management server is configured to communicate with        plural vendors to submit user requests for gift cards;    -   the plural vendors are configured to respond to the user        requests with the network;    -   the vendor database is configured to store and maintain data        related to the plural vendors;    -   the payment server is configured to accept payments for the gift        cards; and    -   the advertising server is configured to display advertisements        on the kiosk processor interface.    -   An embodiment wherein the kiosk processor interface is a touch        interface.    -   An embodiment wherein the kiosk processor interface is a        graphical interface.    -   An embodiment wherein the network is wired.    -   An embodiment wherein the network is wireless.

One skilled in the art will recognize that other embodiments arepossible based on combinations of elements taught within the aboveinvention description.

CONCLUSION

A kiosk gift card system and method for purchasing gift cards at a kioskhas been disclosed. The system/method includes a gift card distributionkiosk located at a retail establishment that provides a user with accessto a multitude of different forms of gift cards that may be purchasedand printed onto a customizable card with a personalized message. Thekiosk includes a kiosk processor interface, a gift card dispenser, acard reader and gift card management server connected to a network. Thegift card management server, through the kiosk processor interface,provides vendor options to users to select and pay via the card reader.In another embodiment, the kiosk is used to redeem unused user giftcards for a reduced value user selected gift card, reduced cash value,full value store card, rewards points, bank debit, and/or electroniccode user towards online purchases.

What is claimed is:
 1. A kiosk gift card system in a retailestablishment for funding on-demand gift cards, said system comprising:(a) gift card management server (GMS); (b) kiosk processor interface(KPI); (c) kiosk card reader (KCR); (d) gift card dispenser (GCD); (e)gift card collector (GCC); (f) gift card printer (GCP); and (g) giftcard stacker (GCS); wherein said KPI is configured to electronicallycommunicate with said GMS through said CCN; said KPI is configured toenable users to interact with said GMS through said CCN; said GMS isconfigured to provide said users with options to purchase user-selectedgift cards; said GMS is configured to provide said users with options toredeem value within or consolidate monetary value from within one ormore pre-existing gift cards; said GCP is configured to print saiduser-selected gift cards upon receiving a payment from said user; saiduser-selected gift cards are associated with a gift card value; said GCSis configured to provide blank cards for said user-selected gift cardprinting to said GCP; said KPI is configured to permit saiduser-selected gift card printing to be customized by said user toinclude information pertaining to: gift card size, gift cardpersonalized message, and gift card value; said KPI is configured topermit said user-selected gift card to be customized by said user toinclude purchasing limitations on said user-selected gift card; and saidGCD is configured to dispense said user-selected gift cards to said userafter printing by said GCP.
 2. The kiosk gift card system of claim 1,wherein said GMS is further configured to communicate to said KPI viasaid CCN using: (a) a vendor management system (VMS); (b) a paymentserver; and (c) a vendor database; wherein said VMS is configured tocommunicate with a plurality of vendors to submit user requests for giftcards; said plurality of vendors are configured to respond to said userrequests via said CCN; said vendor database is configured to store andmaintain data related to said plurality of vendors; and said paymentserver is configured to accept payments for said gift cards.
 3. Thekiosk gift card system of claim 2, wherein the user-selected gift cardis merchant-agnostic and thereby useable at a plurality of differentmerchants.
 4. The kiosk gift card system of claim 3, wherein at leastone of the plurality of vendors comprises a processor of paymentsbetween merchants and financial institutions, wherein dispensed giftcards associated with said at least one vendor are useable at aplurality of different merchants.
 5. The kiosk gift card system of claim2, wherein the kiosk gift card system is located in a retailestablishment of one of the plurality of vendors, and wherein dispensedgift cards associated with said one of the plurality of vendors areprovided with more gift card value than dispensed gift cards associatedwith other vendors for the same amount of user payment.
 6. The kioskgift card system of claim 2, wherein said GMS is further configured tocommunicate to said KPI via said CCN using an advertising server,wherein said advertising server is configured to display advertisementson said KPI.
 7. The kiosk gift card system of claim 1, wherein saidpurchasing limitations comprise restrictions against purchasingparticular items with said user-selected gift card.
 8. The kiosk giftcard system of claim 1, wherein said purchasing limitations compriserestrictions against purchasing at particular merchants with saiduser-selected gift card.
 9. The kiosk gift card system of claim 1,wherein said purchasing limitations comprise restrictions on geographiclimits for purchasing with said user-selected gift card.
 10. The kioskgift card system of claim 1, wherein said gift card value is associatedwith a discounted value of said one or more pre-existing gift cards. 11.The kiosk gift card system of claim 1, further comprising a means todispense cash associated with a discounted value of said one or morepre-existing gift cards.
 12. The kiosk gift card system of claim 1,wherein said KPI is configured to redeem one or more of said one or morepre-existing gift cards and consolidate the monetary value of said oneor more pre-existing gift cards into a discounted value of saidconsolidated monetary value.
 13. The kiosk gift card system of claim 12,wherein said KPI is configured to provide said discounted value of saidconsolidated monetary value via a single gift card to said user.
 14. Thekiosk gift card system of claim 1, wherein said KPI is a touchinterface.
 15. The kiosk gift card system of claim 1, wherein said KPIis a graphical interface.
 16. The kiosk gift card system of claim 1,wherein said CCN is provided via a wired connection to the kiosk. 17.The kiosk gift card system of claim 1, wherein said CCN is provided viaa wireless connection to the kiosk.
 18. The kiosk gift card system ofclaim 1, wherein said KPI is further configured to permit saiduser-selected gift card printing to be customized by said user toinclude information pertaining to: gift card size, gift card color, giftcard logo, gift card personalized message, and/or gift card near fieldcommunication (NFC) chip.
 19. The kiosk gift card system of claim 1,wherein: said kiosk gift card system is a first kiosk gift card system,configured to communicate with a second kiosk gift card system via saidCCN; and said KPI of said first kiosk gift card system is furtherconfigured to communicate with said second kiosk gift card system viasaid CCN to affect printing of said user-selected gift card on saidsecond kiosk gift card manufacturing system.
 20. The kiosk gift cardsystem of claim 1, wherein said received payment from said usercomprises said consolidated monetary value of said one or morepre-existing gift cards.